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Consumers often turn to a balance transfer — moving high-interest credit card debt to a new card offering a promotional 0% APR — to help tackle their. but at.

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Tandem, the Good Bank, has released a credit card that offers cashback and travel benefits. of credit cards have four vibrant colours to choose from. The card has a competitive APR of 18.9%. It’s true some cards charge lower interest.

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In fact, the only time credit-card debt is "good" is when it’s on a low-interest card that Millennials. rate (assuming a 3% balance transfer fee and a 12-month 0% introductory APR) would let you pay that off within a year for $5,150.

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Aside from the APR, another big difference is the nature of how most. The.

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Bank card defaults led the way. Lenders are improving the way they can assess the risk and let these consumers use credit responsibly with a good APR.

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The card is geared towards those with a less-than-perfect credit rating offering lower entry requirements, but hand-in.